Apple co-founder and tech guru Steve Wozniak has warned the Bitcoin and cryptocurrency faithful they need to remember payments is about people — and not get carried away with the Bitcoin price.

"Steve Jobs wasn’t a computer person, but he was a people person," Wozniak (who is often fondly referred to as Woz) told the Money20/20 Europe conference in Amsterdam today.

Jobs, who founded iPhone-maker Apple with Wozniak in 1976, is widely regarded as one of the most influential people in Silicon Valley history and helped bring about the personal computer revolution in the late 1990s before kicking off the smartphone revolution with the launch of the iPhone in 2007.

Jobs focused on design and user experience at a time when the computer industry was perceived as clunky and uncool — something that the Mac, the iPhone, the App Store and iTunes helped to change.

Many in the Bitcoin and cryptocurrency industry have complained there is too much focus on the price of Bitcoin and not enough on the user experience — which remains too technical to be used regularly.

Steve Jobs was more of a people person than fellow Apple founder Steve WozniakTwitter / @winciewong

Wider adoption remains a problem for Bitcoin and other cryptocurrencies, with the majority of people using them to buy illicit substances on the dark web and many others holding Bitcoin in the hope the price will rise.

Bitcoin is mathematically defined, there is a certain quantity of Bitcoin, there's a way it's distributed… and it's pure and there's no human running, there's no company running and it's just… growing and growing… and surviving, that to me says something that is natural and nature is more important than all our human conventions.

Wozniak admitted in February he cashed out all but one of his Bitcoin, saying he didn't want to be an investor and glued to the price swings but only experiment with the technology.

He also owns a couple of Ether, the payment token of the the Ethereum network.

It's not the first time Wozniak has said he supports Bitcoin. At the Money 20/20 conference in Las Vegas in October last year Wozniak said he thinks Bitcoin is better than both gold and the U.S. dollar thanks to its limited and decentralised nature.

According to Wozniak, the blockchain and cryptocurrencies will achieve their full potential in a decade.

Speaking on wider fintech regulation at Money20/20 Wozniak said: "Regulation is an essential element to the fintech transformation happening today. Fairness, equality and truth is the foundation for good regulation and that will lay the groundwork for good development."

Meanwhile, non-executive chairman of Goldman Sachs José Barroso told Money20/20 attendees: "I myself won't invest in cryptocurrencies. But this is a question of generations: young people invest so much time and effort that we will soon see global acceptance rise for a leading cryptocurrency."

Last month Goldman revealed it plans to buy and sell cryptocurrency, setting it apart from many of its Wall Street competitors at a time when the U.S. regulator is taking a greater interest in Bitcoin's wild price swings.

Goldman Sachs chief executive Lloyd Blankfein said back in December last year that Bitcoin “is not for him” as the cryptocurrency hit record price highs of almost $20,000 before falling back sharply in 2018.

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